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Report on Public Consultation 2014 – SEPA Credit Transfer

The Single Euro Payments Area (
) payment schemes, as set out in the
Credit Transfer (
) and
Direct Debit (
) Rulebooks, evolve based on a transparent change management process adhered to by the European Payments Council (
). This evolution reflects changes in market needs and updates of technical standards. The principles governing the evolution of the
Schemes are set out in the
Scheme Management Internal Rules, which are an integral part of the rulebooks.

The scheme change management process provides all stakeholders with the opportunity to participate, i.e. to introduce suggestions for changes to the schemes, from an early stage. All interested parties were invited to submit suggestions for changes to be incorporated into the updated versions of the
and
Rulebooks by 28 February 2014. All suggestions for changes to the rulebooks that were received by that date were consolidated into a single change request document per rulebook (the
Rulebook, the
Core Rulebook and the
Business to Business Rulebook). As with previous scheme change cycles, all proposed changes to the schemes were released with the change request documents for a three-month public consultation (this time between 19 May and 15 August 2014).

Here you find the report (EPC186-14) which features the feedback received from stakeholders during the 2014 public consultation on possible modifications to the
Rulebook (see ‘related files’ below).

The
Rulebook version 8.0, published in November 2014 to take effect on 22 November 2015, reflects the results of the 2014 public consultation. To view the
Rulebook version 8.0, refer to this dedicated
Website page: 2015 SCT Rulebook.